NSTS Bancorp, Inc. cash flow to debt ratio of 14.68% indicates that the company cannot generate enough cash to cover its debt over time. This level indicates weak financial health.

NSTS Bancorp, Inc.'s free cash flow has decreased 56.68% from $9.11M last year to $3.95M, signaling decreasing performance

NSTS Bancorp, Inc.'s debt to equity ratio is 0.36, which means that the company's assets are healthy financed, signaling financial stability.

NSTS Bancorp, Inc.'s debt has decreased relative to shareholder equity from 0.42 last year to 0.36 today, signaling strengthened financials

NSTS Bancorp, Inc. has a net cash position, so leverage is healthy.

NSTS Bancorp, Inc. earns at least as much interest as it pays. Interest obligations are fully covered.

NSTS Bancorp, Inc.'s profit margin has increased (-88.85%) in the last year from -6.56% to -0.73%, signaling increasing performance

NSTS Bancorp, Inc.'s short-term liabilities of $155.48M exceed its short-term assets of $37.82M, signaling financial risk

NSTS Bancorp, Inc.'s return on assets of 0.00% is lower than the 5.00% threshold, indicating inefficient asset utilization

NSTS Bancorp, Inc.'s return on equity of -0.12%, is lower than 15.00%, indicating bad performance

NSTS Bancorp, Inc.'s operating cash flow is lower than its net income, indicating that earnings may not be fully backed by cash generation

NSTS Bancorp, Inc. has insufficient public price history to evaluate earnings stability.

NSTS Bancorp, Inc. has positive free cash flow, indicating the company generates cash after capital expenditures

NSTS Bancorp, Inc. has a free cash flow yield of 5.44%, which is above the 2.00% threshold, indicating strong cash generation relative to market value

NSTS Bancorp, Inc.'s yearly earnings has increased -51.08% since last year from $-789.00K to $-386.00K, signaling increasing performance

NSTS Bancorp, Inc.'s yearly revenue has decreased 8.64% since last year from $12.03M to $10.99M, signaling decreasing performance

ROIC -0.09% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.

NSTS Bancorp, Inc.'s 3-year revenue CAGR of 20.94% is positive, indicating growing revenue over the past 3 years

NSTS Bancorp, Inc. had revenue growth in 3 out of 5 years, indicating consistent revenue performance

NSTS Bancorp, Inc. has insufficient public price history to evaluate ROE consistency.

NSTS Bancorp, Inc. has insufficient data to evaluate this check.

NSTS Bancorp, Inc. has negative trailing-twelve-month earnings; this ratio is not meaningful and the check fails

NSTS Bancorp, Inc. is overvalued relative to its fair value price of 0.00 based on EBITDA multiple model

NSTS Bancorp, Inc. has negative or missing EBITDA, making EV/EBITDA ratio unreliable

NSTS Bancorp, Inc. has insufficient data to evaluate this check.

NSTS Bancorp, Inc. has negative trailing-twelve-month earnings; this ratio is not meaningful and the check fails

NSTS Bancorp, Inc. has a price-to-book ratio of 0.85x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

NSTS Bancorp, Inc. has a price-to-sales ratio of 5.11x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue